Discover the best no-credit-check credit cards to build or enhance your credit profile. These cards are ideal for those with limited or poor credit and can help establish a strong credit foundation through responsible use. Features include low deposits, cash back rewards, and benefits for military members.

Best No-Check Credit Cards to Establish or Improve Your Credit

If you are starting your credit journey or have a limited credit history, certain credit cards do not require a credit check for approval. These cards are ideal because they recognize that a low score may be due to limited borrowing rather than poor payment habits, making them a safe choice for new users. Proper use of these cards can help you build or strengthen your credit profile effectively.

Here are some top options for no-credit-check credit cards:

Capital One® Platinum Credit Card
Designed for individuals with less than three years of credit history, this card has no annual fee, no rewards, and a variable APR of 24.99%. Making timely payments can boost your credit limit, with no over-limit fee but late payments may add up to $38 in penalties. Cash advances are also at 24.99%.

OpenSky® Secured Visa® Card
Perfect for those with credit scores between 300 and 639. Requires a refundable minimum deposit of $200, which sets your credit limit. Comes with a $35 annual fee and an 18.89% variable APR. International transactions incur a 3% foreign fee.

Capital One® QuicksilverOne® Cash Rewards
Suited for borrowers with weaker credit, this card costs $39 annually and offers 1.5% cash back on all purchases. No introductory APR or balance transfer fees. After five timely payments, your credit line can increase, with an APR of 24.99%.

Discover it® Secured
Suitable for those with credit scores from 300 to 639, with no annual fee. Requires a $200 refundable security deposit. Offers 1-2% cash back—2% at gas stations and restaurants when spending exceeds $1,000 quarterly. Your account will be reviewed after eight months for potential upgrade to unsecured credit.

Citi® Secured Mastercard®
Helps build credit by reporting to credit bureaus every month. Needs a refundable deposit of $200 and has no annual fee. The APR is 24.24%, with a $35 foreign transaction fee. Even with limited credit, this card can help improve your score quickly.

USAA® Secured Card American Express®
Offers a flexible credit limit from $250 to $5,000 based on a $250 deposit. No annual fee and an APR ranging from 11.65% to 21.65%. It provides special benefits for military members, including a 4% APR for 12 months during deployment or PCS, plus veteran perks.